// 02 · Multi-Currency Accounts
Sydney · build.app

One account to collect, manage and move funds at scale.

Run collections, payouts and balances through a single account setup — built for high-volume operations, fund segregation, regulatory clarity and global money movement.

// 01 · Account layer

Run all money flows through one account framework.

A structured account layer for modern money operations.

01

Collect at scale

Create dedicated account details (e.g. BSB/account numbers or IBANs) for customers, users or workflows, so payments arrive clearly identified and easy to reconcile.

02

Fund segregation

Segregate customer, client and operational funds without opening and managing multiple bank accounts.

03

Operational visibility

Track balances and transactions across flows, currencies and regions from a single view.

04

Regulation-ready by design

Support monitoring, reporting and audit requirements as volumes and complexity increase.

// 02 · Setup

How accounts are set up.

Virtual accounts are configured to match how your business actually runs money. We offer domestic and international virtual accounts.

Single main account

A straightforward setup for businesses managing their own funds, with centralised balances and visibility.

Main account with sub-accounts

Create multiple account details under one main account to support customer funds, client balances, invoices or internal workflows. Commonly used where fund segregation, monitoring and reporting are required at scale.

Multi-currency support

All setups support multiple currencies, with a consolidated view across balances and movements.

Discuss account setup

// 03 · Payment rails

Local, international and modern rails — connected through one account layer.

Build's virtual accounts connect to the payment methods your customers and partners already use, without fragmenting settlement or reconciliation.

// local rails

  • NPP
  • PayID
  • PayTo
  • BPAY
  • Direct Entry (DE)

// international

  • SWIFT
  • Local account collection / payout

// modern rails

  • Stablecoin settlement for faster, programmable cross-border value transfer

// payment integrity

Confirmation of Payee (CoP)

AI-powered name checking that reduces manual effort, improves match rates and increases successful collections.

Explore supported rails

// 04 · Operations

Operations, visibility and compliance control.

Operate with confidence as volumes and regulatory expectations increase.

01

Automated reconciliation

Match incoming and outgoing flows against expected payments without manual intervention.

02

Real-time monitoring

Watch balances and transaction activity across accounts, currencies and entities in one view.

03

Name checking and verification

Reduce mis-payment risk with payee verification on outbound and inbound flows.

04

Reporting and audit trails

Maintain clean records and structured exports for finance, compliance and audit reviews.

See operations and controls

// 05 · Treasury

Manage balances alongside payment activity.

  • Centralised visibility across balances and currencies
  • Clear segregation between operational funds and customer or client funds
  • Designed to work with FX, liquidity management and settlement workflows
Learn about balance options
// treasury.balances live
// total balance · USD equiv
$8,412,009 .24
▲ 3.2% this month
USD $4.21M
EUR €1.88M
AUD A$640K
SGD S$820K

// 06 · Lifecycle

Manage your virtual account structure as your business evolves.

01

Create, assign or deactivate account details as needed

02

Manage structures across customers, workflows or entities

03

Support onboarding and scaling without re-architecting

Available via API and administrative tools.

See management options

// 07 · Why Build

A virtual account platform built for real-world operations.

01

Built for scale

High-volume collections and fund segregation handled without account sprawl.

02

Operational foundations

Strong regulatory standing and automation built into how accounts run.

03

Connected stack

Integrated with cards, FX and settlement so accounts are never an island.

// 06 · Ready to build

Ready to build with us?

Talk to our team about how Build can power your next card program, global payments flow, or compliance solution.